LD
Lucy C. Detwiler
CETERA INVESTMENT ADVISERS LLC
SILVER SPRING, MD 20902
Some features on this profile are disabled
CRD#: 6153902
LD
Professional summary
Lucy Chang Detwiler, who also goes by Lucy Ru-shin Chang, Lucy Rushin Chang, Lucy Detwiler, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Silver Spring, Maryland and CETERA WEALTH SERVICES, LLC located in Silver Spring, Maryland.
Lucy is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2013. Lucy has worked at 7 firms and has passed the Series 63, Series 65, Series 7TO, SIE and Series 7 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Lucy Ru-Shin Chang | Lucy Rushin Chang | Lucy Detwiler
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1) Mega Shopping Center LLC; Member; I am part owner of Mega Shopping Center LLC, which is the 1% general partner of Mega Group Ltd, which owns a retail shopping center, which is also listed as an OBA.; IR; 4; 07/01/2017; 725 Downing Dr Richardson TX 75080; I participate in occasional teleconference meetings regarding our property.I work in QuickBooks to prepare our financial statements for our CPA to prepare tax returns.I pay the partners their guaranteed income and distributions.I am involved in any major decisions that need to be made and occasionally visit the property.I will sign legal documents as a member on behalf of the general partner. 2) Better Inc; Vice President; I am a 10% owner/shareholder of a 40 unit multi-family apartment complex, which is held inside Better Inc, an S Corporation. We have a management company that helps us run the day to day activities, but I am involved in the major decisions.; IR; 4; 07/01/2017; 725 Downing Dr Richardson TX 75080; I participate in weekly teleconference meetings regarding what's going on our property.�I do the categorizing and reconciling in QuickBooks of our books before getting them to our CPA to prepare tax returns.I pay our shareholders their salary and distributions.I am involved in any major decisions that need to be made and occasionally will visit the property.I work with the on-site property manager to make sure things are taken are of.� 3) Schmerling Financial Group; Financial Planner; Schmerling Financial Group provides comprehensive financial planning for clients, which entails analyzing each client's needs, assessing goals, and creating a plan for financial success in life. Services include investment planning, insurance planning, business planning, education planning, estate planning, tax planning, retirement planning, tax and accounting, and equity compensation planning.; IR; 130; 03/18/2024; 725 Downing Dr Richardson TX 75080; I will be doing prep work prior to client meetings.I will sit in client meetings and present the financial plan.I will doing follow up work after client meetings.�I will work on client financial plans, including research, working in eMoney, Holistiplan, and other software.I will assist where needed in responding to client service requests. 4) Mega Group Ltd; Member; I am a part owner of a retail shopping center that is held in a Limited Partnership called Mega Group Ltd.�; IR; 4; 07/01/2017; 725 Downing Dr Richardson TX 75080; I participate in occasional teleconference meetings regarding what's going on our property. I do the categorizing and reconciling in QuickBooks of our books before getting them to our CPA to prepare tax returns.I pay the partners their guaranteed incomes and distributions.I am involved in any major decisions that need to be made and occasionally will visit the property.I work with the management company to make sure things are taken are of.
CRS (Client Relationship Summary) - RIA
Click below to view Lucy Chang Detwiler's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
NoneExperience
Current
September 5, 2025 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 1370 Lamberton Drive Suite 15, Silver Spring, MD 20902RIA
CRD#: 105644
SILVER SPRING, MD
Current
September 5, 2025 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 1370 Lamberton Drive Suite 15, Silver Spring, MD 20902BD
CRD#: 13572
SILVER SPRING, MD
Past
September 11, 2024 - September 5, 2025
AVANTAX INVESTMENT SERVICES, INC.
BD
CRD#: 13686
SILVER SPRING, MD
Past
February 13, 2024 - September 5, 2025
AVANTAX ADVISORY SERVICES
RIA
CRD#: 104556
Richardson, TX
Past
December 20, 2022 - February 23, 2024
CX INSTITUTIONAL, LLC
RIA
CRD#: 292627
Plano, TX
Past
October 18, 2013 - December 31, 2015
LPL FINANCIAL LLC
BD
CRD#: 6413
PLANO, TX
Past
March 29, 2013 - October 4, 2013
FIDELITY BROKERAGE SERVICES LLC
BD
CRD#: 7784
WESTLAKE, TX
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Maryland(9/5/2025)
IAR
Maryland(9/5/2025)
RR
Texas(9/5/2025)
IAR
Texas(9/5/2025)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
RR
Series 7TO
Date: 9/11/2024
General Securities Representative ExaminationGeneral Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096
Mailing Address
Phone number
(310) 257-7880
Established
Firm type
Fiscal year end
# of Employees
7,705
SEC notice filing (53 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 584,487 |
| AUM (Assets Under Management) | $ 163,792,814,520 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/27/2025 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
